A 10 percent interest is cheap compared to most lending rates. In this consumption crazed society, people live paycheck to paycheck with nothing to show for comes next paycheck. Few Americans know what it feels like to starve or worst, watch their children starve. That’s the reality in many other parts of the world.

If you spend every penny you got and save nothing for a rainy day, you will watch your children starve. That’s why poorer countries with none of the safety net that exists in America are the best saver.